Podcasts about claimants

Have a comment or question? Click this sentence to send us a message, and we might answer it in a future episode.Welcome to Season 6, Episode 26 of Winning Isn't Easy: Long-Term Disability ®. In this episode, we'll dive into ERISA Disability Appeals: What the Insurance Company Hopes You Never Learn.Claimants appealing the denial of Long-Term Disability benefits under ERISA feel overwhelmed by insurance companies that appear to control every aspect of the claims process. Yet, insurers are bound by federal regulations that govern how disability claims must be evaluated, and understanding those rules can make all the difference during an appeal. In this episode, attorney Nancy Cavey takes an in-depth look at the hidden mechanics of the ERISA disability appeals process by examining the tactics insurers commonly use to deny claims and the legal standards that can be used to challenge those decisions. Through the analysis of three recent federal court cases, she explains how claimants can identify insurer strategies, build stronger appeals, and better protect their rights while pursuing the disability benefits they deserve.In this episode, we'll cover the following topics:One - Title 29 of the Code of Federal Regulations, Section 2560.503-1Two - Three Federal Court Cases That Exposed the Insurance Company PlaybookThree - Building Your ERISA Survival Playbook Whether you're a claimant, or simply seeking valuable insights into the disability claims landscape, this episode provides essential guidance to help you succeed in your journey. Don't miss it.Listen to Our Sister Podcast:We have a sister podcast - Winning Isn't Easy: Social Security ®. Give it a listen: https://wiessdpodcast.buzzsprout.com/Resources Mentioned in This Episode:LINK TO ROBBED OF YOUR PEACE OF MIND: https://mailchi.mp/caveylaw/ltd-robbed-of-your-piece-of-mindLINK TO THE DISABILITY INSURANCE CLAIM SURVIVAL GUIDE FOR PROFESSIONALS: https://mailchi.mp/caveylaw/professionals-guide-to-ltd-benefitsFREE CONSULT LINK: https://caveylaw.com/contact-us/Need Help Today?:Need help with your Long-Term Disability or ERISA claim? Have questions? Please feel welcome to reach out to use for a FREE consultation. Just mention you listened to our podcast.Review, like, and give us a thumbs up wherever you are listening to Winning Isn't Easy. We love to see your feedback about our podcast, and it helps us grow and improve.Please remember that the content shared is for informational purposes only, and should not replace personalized legal advice or guidance from qualified professionals.

Have a comment or question? Click this sentence to send us a message, and we might answer it in a future episode.Welcome to Season 6, Episode 25 of Winning Isn't Easy: Long-Term Disability ®. In this episode, we'll dive into Unum Exposed: The Tactics Behind Disability Claim Denials.Claimants pursuing Long-Term Disability benefits face more than the burden of proving they cannot work, as they must also contend with insurers that aggressively scrutinize medical evidence, reinterpret policy provisions, and use procedural tactics to justify claim denials. In this episode, attorney Nancy Cavey examines how Unum evaluates disability claims by analyzing three recent federal court decisions that reveal common strategies used to challenge claims. By exploring these cases, she explains how claimants can anticipate insurer tactics, strengthen their evidence, prepare themselves, and protect their rights throughout the disability claims process.In this episode, we'll cover the following topics:One - Introduction to 29 CFR and Why It Is Important in ERISA CasesTwo - A Summary of Three Cases, the Games That Unum Tried to Play, and What the Courts RuledThree - What ERISA Policyholders Can Learn From These Three CasesWhether you're a claimant, or simply seeking valuable insights into the disability claims landscape, this episode provides essential guidance to help you succeed in your journey. Don't miss it.Listen to Our Sister Podcast:We have a sister podcast - Winning Isn't Easy: Social Security ®. Give it a listen: https://wiessdpodcast.buzzsprout.com/Resources Mentioned in This Episode:LINK TO ROBBED OF YOUR PEACE OF MIND: https://mailchi.mp/caveylaw/ltd-robbed-of-your-piece-of-mindLINK TO THE DISABILITY INSURANCE CLAIM SURVIVAL GUIDE FOR PROFESSIONALS: https://mailchi.mp/caveylaw/professionals-guide-to-ltd-benefitsFREE CONSULT LINK: https://caveylaw.com/contact-us/Need Help Today?:Need help with your Long-Term Disability or ERISA claim? Have questions? Please feel welcome to reach out to use for a FREE consultation. Just mention you listened to our podcast.Review, like, and give us a thumbs up wherever you are listening to Winning Isn't Easy. We love to see your feedback about our podcast, and it helps us grow and improve.Please remember that the content shared is for informational purposes only, and should not replace personalized legal advice or guidance from qualified professionals.

When disability changes your working life, the question becomes: 'What can I safely do now?' Hear the founder's personal story of creating a calm, legal pathway for UK disability benefit claimants to consider flexible income without jeopardizing their support. Confidence Reclaim City: Manchester Address: 23 Sportside Avenue Website: https://confidencereclaim.co.uk/

A UK campaign group wants Universal Credit claimants to do four hours of litter picking a month or risk losing their benefit. Supporters call it fair contribution. Critics call it workfare — a policy with a documented history of failure, unpaid labour, and exemption gaps for disabled claimants. We break down the proposal, the precedent, and who gets left out of the conversation.Welcome to The Marvyn Harrison Podcast — a story-driven conversation exploring identity, fatherhood, masculinity, relationships, culture, politics, sport, and modern life.In each episode, Marvyn Harrison sits down with leading thinkers, creatives, athletes, policymakers, and cultural voices to unpack the defining moments that shaped them. Through image prompts, structured storytelling, and revealing game segments, guests explore pivotal memories, career turning points, personal struggles, and the beliefs that guide their decisions today.Expect honest discussions on mental health, family dynamics, leadership, equity, ambition, resilience, and the realities of navigating success in Britain and beyond.This is a podcast about clarity, where lived experience meets sharp cultural insight. Hosted on Acast. See acast.com/privacy for more information.

For everyone in Australia, the experience of lodging a tax return for the first time can be different. Junaid Tahir, based in Wollongong, lodged his first tax return last year. What was his experience like, and were there things he discovered during the process that he did not know beforehand? - آسٹریلیا میں ہر ایک کے لئے پہلی بار ٹیکس ریٹرن کا تجربہ مختلف ہو سکتا ہے۔ وولنگاگ میں مقیم جنید طاہر نے پچھلے سال پہلی بار ٹیکس ریٹرن کیا۔ ان کا ٹیکس ریٹرن کرنے کا تجربہ کیسا رہا اور کیا کچھ ایسی باتیں معلوم ہوئیں جن کا انہیں پہلے علم نہیں تھا۔Explore more ways to listen to the Urdu program here: Listen to SBS Urdu. Install our mobile app “SBS Audio” on Apple (iPhone) or Android devices: SBS Audio App. Download on Apple App Store, Download on Google Play. Follow us on social media: SBS Urdu on Facebook and on SBS Urdu on Instagram. - جانئے کس طرح ایس بی ایس اردو کے مرکزی صفحے کو بُک مارک کریں ہر بدھ اور جمعہ کا پورا پروگرام اس لنک پرسنئے, اردو پرگرام سننے کے دیگر طریقے, “SBS Audio”کےنام سےموجود ہماری موبائیل ایپ ایپیل (آئی فون) یااینڈرائیڈ , ڈیوائیسزپرانسٹال کیجئے۔ ہمیں فیس بُک اور انسٹا گرام پر فالو کیجئے۔

Have a comment or question? Click this sentence to send us a message, and we might answer it in a future episode.Welcome to Season 6, Episode 18 of Winning Isn't Easy. In this episode, we'll dive into How Claimants Accidentally Destroy Their Own Disability Cases.Sometimes the biggest threat to an ERISA disability claim isn't the insurance company - it's the claimant. Missed treatment, inconsistent statements about daily activities, poor documentation, or even filing a lawsuit incorrectly can destroy an otherwise valid case. In this episode, we examine three real disability claims that unraveled because critical rules weren't followed. We explore how gaps in medical care can violate a policy's “regular care” requirement, how everyday activities like travel or golf can be used to undermine allegations of disabling pain, and how procedural mistakes in federal court can lead to dismissal before a case is ever heard. These cases show how insurers scrutinize not only medical conditions, but also credibility, consistency, and compliance with policy requirements. We also discuss why tactics such as careful documentation, ongoing treatment, and experienced legal guidance are often essential to protecting disability benefits under ERISA.In this episode, we'll cover the following topics:One - Why Not Getting Regular Medical Care or Following Treatment Recommendations Can Doom Your Disability Insurance ClaimTwo - Golfing Dooms Chronic Low Back ERISA Disability ClaimThree - Abraham Lincoln Got It Right! Why Representing Yourself in an Insurance Disability Matter Is Never the Right MoveWhether you're a claimant, or simply seeking valuable insights into the disability claims landscape, this episode provides essential guidance to help you succeed in your journey. Don't miss it.Listen to Our Sister Podcast:We have a sister podcast - Winning Isn't Easy: Navigating Your Social Security Disability Claim. Give it a listen: https://wiessdpodcast.buzzsprout.com/Resources Mentioned in This Episode:LINK TO ROBBED OF YOUR PEACE OF MIND: https://mailchi.mp/caveylaw/ltd-robbed-of-your-piece-of-mindLINK TO THE DISABILITY INSURANCE CLAIM SURVIVAL GUIDE FOR PROFESSIONALS: https://mailchi.mp/caveylaw/professionals-guide-to-ltd-benefitsFREE CONSULT LINK: https://caveylaw.com/contact-us/Need Help Today?:Need help with your Long-Term Disability or ERISA claim? Have questions? Please feel welcome to reach out to use for a FREE consultation. Just mention you listened to our podcast.Review, like, and give us a thumbs up wherever you are listening to Winning Isn't Easy. We love to see your feedback about our podcast, and it helps us grow and improve.Please remember that the content shared is for informational purposes only, and should not replace personalized legal advice or guidance from qualified professionals.

Informing ineligible refugee claimants through letter is enough or should they get a hearing with the refugee board?  

As oil and gas prices jump following the Iran crisis, Julia Hartley-Brewer why it feels like Labour is rewarding dependents while punishing the people who get up early, go to work and pay the bills. Sir Iain Duncan Smith joins Julia to tear into the row over MPs receiving a £3,300 ‘cost-of-living payment', a 6.2% increase in benefits and the scrapping of the two-child benefit cap. He argues ministers could give immediate relief by cutting fuel duty and energy taxes, and says Britain is mad to sit on North Sea oil and gas while importing more expensive energy from abroad. IDS also takes aim at Ed Miliband's net zero agenda, calls out the “medicalising” of anxiety and depression, and warns the welfare bill is spiralling as more adults and children are classed as disabled. He also backs a ban on first-cousin marriage, saying the health risks are too serious to ignore.Then Baroness Kate Hoey says Labour is losing touch with the strivers who keep the country going. With pump prices rising, fears of fuel rationing growing and family budgets already stretched, she says ministers are making life harder for workers while chasing green fantasies. Hoey also warns that Keir Starmer's EU reset is a Brexit betrayal in slow motion, with the proposed youth mobility scheme amounting to free movement by the back door.Also: Hoey questions the unanswered issues surrounding Morgan McSweeney's missing phone, says Starmer's judgement over Peter Mandelson raises serious concerns, and argues Red Wall voters will not forgive a government that hikes costs, weakens borders and edges Britain back towards Brussels.Julia Hartley-Brewer broadcasts on Talk from Monday to Thursday, 10AM to 1PM. Available on YouTube and streaming platforms, along with DAB+ radio and your smart speaker. Hosted on Acast. See acast.com/privacy for more information.

London Civil Case - Thank you for your supportThe Civil Case against me in London came to an end last Friday when the Claimants and their lawyers accepted a ‘drop hands settlement of the extant claim on the conditions that:1.    the Claimants file and serve a Notice of Discontinuance by 10 am 20 March 2026; and2.    that there be no order for costs'In other words, they accepted an offer, made by me the previous evening, that they discontinue their claim. I instructed my legal team to make the offer because it was apparent at the end of day eight of the trial that the claimants case, as presented by McCue and Jury, the lawyers for the claimants, was in serious trouble. I gave them a way out. Dolores Keane – A Great VoiceI have always loved music. All kinds of music but I have a particular fondness for Irish traditional and folk music. I think by the time I heard De Danann's first album, with Dolores Keane's amazing voice leading the vocals, I was probably in Cage 11. That first Dé Danann album was incredible and over the subsequent years I never stopped being astonished by the uniqueness of Dolores Keane's magnificent voice.

In Episode 124, we explore both the practical and theoretical constitutional consequences of Alberta separation, however unlikely, and particularly for Indigenous groups in that province. Christine explains the recent Kanyinda decision from the Supreme Court of Canada (Quebec (Attorney General) v. Kanyinda, 2026 SCC 7) and it looks like, once again, we have more "bubble zones" to fight.Stories and cases discussed in this week's episode:Protecting access to places of worship, schools (BC Gov News)Marc Miller says Musqueam deal has ‘nothing to do with' private property (Toronto Star)Quebec (Attorney General) v. Kanyinda, 2026 SCC 7 (Supreme Court Judgments)Indigenous Chiefs gather at legislature, pressure Alberta to quash separatism push (Global News)Not Reserving Judgment is a podcast about Canadian constitutional law hosted by Josh Dehaas, Joanna Baron, and Christine Van Geyn.The show is brought to you by the Canadian Constitution Foundation, a non-partisan legal charity dedicated to defending rights and freedoms. To support our work, visit theccf.ca/donate.

Last weekend saw the United States and Israel airstriking Iran, with Iran retaliating with strikes on Israel, Qatar, the United Arab Emirates, Saudi Arabia, Bahrain, Jordan, and Kuwait. The New Zealand government put out a press release soon after, condemning Iran for the strikes and for protest crackdown earlier this year.  While the press release and later communications from the government have called for all parties to follow international law, the government has offered little in criticism of the United States and Israel's bombings. Prime Minister Christopher Luxon, when asked if the strikes were legal, said it would be up to each country to provide a justification.  This past week also saw a new policy from the government that would look to reclaim ACC payments from those already receiving welfare payments. ACC claimants usually receive funding to support their inability to work, however those on the benefit will already be receiving such funds regardless. While there is cross-party support for a change that would remove this “double dipping”, the policy would also charge back some of those who have already benefited from this loophole.  The move has been criticised by opposition MPs, who say creating debt for already marginalised or vulnerable groups is unfair and morally questionable. For our weekly catchup with the ACT Party's Simon Court, News Director Castor asked about the New Zealand government's stance on conflict in the Middle East and issues with this new ACC policy change, beginning on the Middle East.

London Case - Not about Truth and AccountabilityIn May 2022 a civil case was launched against me in England. The civil trial will begin on 9 March in London, and conclude on St Patrick's Day.There are some aspects of the case I can comment on and others I cannot at this time. Suffice to say that this is an unorthodox claim against me about events which occurred 29 and 53 years ago. In short, three Claimants, seek to hold me personally liable for three bombings committed by the Irish Republican Army (IRA) in March 1973 (at the Old Bailey), in February 1996 (at London Docklands) and in June 1996 (at the Manchester Arndale Shopping Centre).Many innocent people were seriously hurt, three were killed in the bombings. The Claimants were injured and have suffered as a result. They deserve nothing but sympathy for what they have gone through. So do all those who were killed or injured in the conflict. And their families.  I regret all the deaths and injuries.People are entitled to use the law. However, this case is brought decades after these incidents and decades after the Good Friday Agreement brought peace to us all.   I anticipate, from public statements made by the Claimants' solicitors, that a number of former British Army, and RUC/PSNI witnesses will give hearsay evidence that because I was a senior republican during the conflict I must be responsible for these specific events.Stand-up to a Genocidal BullyAs the world ponders the implications of US President Trump's talk of an ‘armada' heading for Iran; or his latest threat of tariffs against Canada; or his ongoing threats against Cuba, Greenland and Europe; the so-called ceasefire in the Gaza Strip which he brokered in October has been breached over 1300 times by the Israeli apartheid regime. 509 Palestinians have been killed.In just one morning last week, Israeli attacks on Gaza City and Khan Younis left 31 Palestinians, including six children, dead. The limited medical facilities were overwhelmed with the dead and wounded.Streets of MinneapolisI have been very fortunate over the years to see Bruce Springsteen live. The concerts and the music are amazing. The Boss's lyrics are sharp and he is unafraid to sing about the politics that anger and outrage him. ‘Born in the USA' is an anthem against the War in Vietnam. ‘Streets of Philadelphia' highlighted the aids crisis.Last week he turned his ire on the behaviour of the Immigration and Customs Enforcement (ICE )agents.Springsteen dedicated the song – Streets of Minneapolis - to the “people of Minneapolis, our innocent immigrant neighbours and in memory of Alex Pretti and Renee Good”. Well done Bruce. 

Have a comment or question? Click this sentence to send us a message, and we might answer it in a future episode.Welcome to Season 6, Episode 3 of Winning Isn't Easy. In this episode, we'll dive into the complicated topic of ERISA Disability Questions Answered: DOT, Sedentary Work, and Unemployment.ERISA disability claims often raise more questions than answers, and the way those questions are resolved can directly determine whether benefits are approved, delayed, or denied. Claimants are frequently left wondering how their past work is evaluated, what really changes when a claim moves from an “own occupation” standard to an “any occupation” standard, and how skills, limitations, or even outside benefits like unemployment factor into the carrier's decision-making. While these issues may seem secondary, insurers rely on them heavily to assess whether you meet the policy's definition of disability. In this episode, we unpack the most common questions that come up in ERISA disability claims. We explain how carriers analyze your work history, what they look for when assessing transferable skills, and how physical and mental restrictions are weighed against potential occupations. We also discuss how vocational evidence, functional assessments, and medical documentation are used together, and why gaps, inconsistencies, or vague information can undermine an otherwise valid claim. Additionally, we break down how other benefits and activities can intersect with your ERISA claim and influence how insurers interpret your ability to work. By the end of the episode, you'll have a clearer understanding of how ERISA carriers evaluate employability, why certain questions are asked during the claims process, and what evidence matters most. More importantly, you'll learn how understanding these issues can help you better position your claim, avoid common pitfalls, and protect your Long-Term Disability benefits.In this episode, we'll cover the following topics:One - The Dictionary of Occupational Titles and Your ERISA ClaimTwo - Sedentary Work and Why It MattersThree - Unemployment Compensation and ERISA DisabilityWhether you're a claimant, or simply seeking valuable insights into the disability claims landscape, this episode provides essential guidance to help you succeed in your journey. Don't miss it.Listen to Our Sister Podcast:We have a sister podcast - Winning Isn't Easy: Navigating Your Social Security Disability Claim. Give it a listen: https://wiessdpodcast.buzzsprout.com/Resources Mentioned in This Episode:LINK TO ROBBED OF YOUR PEACE OF MIND: https://mailchi.mp/caveylaw/ltd-robbed-of-your-piece-of-mindLINK TO THE DISABILITY INSURANCE CLAIM SURVIVAL GUIDE FOR PROFESSIONALS: https://mailchi.mp/caveylaw/professionals-guide-to-ltd-benefitsFREE CONSULT LINK: https://caveylaw.com/contact-us/Need Help Today?:Need help with your Long-Term Disability or ERISA claim? Have questions? Please feel welcome to reach out to use for a FREE consultation. Just mention you listened to our podcast.Review, like, and give us a thumbs up wherever you are listening to Winning Isn't Easy. We love to see your feedback about our podcast, and it helps us grow and improve.Please remember that the content shared is for informational purposes only, and should not replace personalized legal advice or guidance from qualified professionals.

Fr Toby looks at the fever pitch Messianic expectation at the time of the Incarnation of Jesus Christ, the true King and Messiah.THE FRIARSIDE airs live on Radio Maria on Mondays and Tuesdays at 11.15am and is rebroadcast at 11.15pm on the same days. Radio Maria's priest director Fr Toby hosts special guests, reads spiritual books and talks everything from Aquinas to philosophy, making a wide range of content accessible for everyone. If you enjoyed this programme, please consider supporting us with a one-off or monthly donation. It is only through the generosity of our listeners that we are able to be a Christian voice by your side. ⁠www.radiomariaengland.uk⁠ 

H4 - Were the circumstances of Jesus' birth scandalous ?, Rep. Chris Huff on talking about his legislative wish list for 2026., CBS said Trump Admin is revoking visas of asylum claimants, The tradition of Christmas and what we celebrate it for

The Government will look at reforming the licence fee and consider more commercial revenue options for the BBC in plans outlined in its royal charter review. It comes amid disruption at the BBC following resignations from top executives and a lawsuit from US president Donald Trump, who is seeking up to 10 billion US dollars (£7.5 billion) in damages in response to the editing of a speech he made before the 2021 attack on the Capitol that was featured in a Panorama episode. The charter sets out the BBC's public purpose and is the constitutional basis for the corporation, which is predominately funded through the licence fee, paid by UK TV-watching households.Meanwhile, the Health Secretary has apologised to patients as doctors began a five-day walkout in England in an ongoing row over jobs and pay. It comes as healthcare leaders warned the impact of the strike will be “felt all the way into January and beyond”. Wes Streeting said the Government did “everything we could” to avoid the strike, including holding 11th-hour talks with British Medical Association (BMA) officials on Tuesday. Hosted on Acast. See acast.com/privacy for more information.

New figures show ACC shed more than 10,000 long-term claimants last year - and it admits it cannot say why nearly half were exited. Anusha Bradley reports.

The fund was created in 2020 by Epstein's estate after his death, as a voluntary, confidential alternative to litigation for survivors of sexual abuse by Epstein. It was administered independently by Jordana Feldman, and open to any individual alleging abuse by Epstein, regardless of statute-of-limitations or prior litigation. Claimants were asked to supply detailed descriptions of their abuse, undergo review, accept an offer, and sign a broad release that barred future lawsuits against the estate or many alleged enablers. By its conclusion in 2021, the program processed roughly 225 applications, deemed around 150 eligible, and distributed approximately $121 million to about 150 survivors.Critically, while the fund offered a quicker and less adversarial route, many survivors and advocates argue it was structured to limit exposure of Epstein's estate and his enablers rather than fully liberate survivors. Accepting the fund's offer meant waiving future claims against not only the estate but often other involved parties—potentially constraining further accountability. Moreover, subsequent reporting shows that even after the fund's closure, significant assets claimed by the estate remain unallocated, raising the question of whether victims received a fair share of Epstein's full fortune. With only about a quarter of the estate's estimated value reportedly reaching survivors, the fund's efficacy and fairness are under heavy scrutiny.to contact me:bobbycapucci@protonmail.comBecome a supporter of this podcast: https://www.spreaker.com/podcast/the-epstein-chronicles--5003294/support.

District Six claimants fear they will die before restitution is completed; lower court judges to hold lunchtime demonstrations over poor working conditions; homegrown bicycle delivery service creates jobs in Langa. Africa Melane speaks to Marecia Damons of GroundUp News. Good Morning Cape Town with Lester Kiewit is a podcast of the CapeTalk breakfast show. This programme is your authentic Cape Town wake-up call. Good Morning Cape Town with Lester Kiewit is informative, enlightening and accessible. The team’s ability to spot & share relevant and unusual stories make the programme inclusive and thought-provoking. Don’t miss the popular World View feature at 7:45am daily. Listen out for #LesterInYourLounge which is an outside broadcast – from the home of a listener in a different part of Cape Town - on the first Wednesday of every month. This show introduces you to interesting Capetonians as well as their favourite communities, habits, local personalities and neighbourhood news. Thank you for listening to a podcast from Good Morning Cape Town with Lester Kiewit. Listen live on Primedia+ weekdays between 06:00 and 09:00 (SA Time) to Good Morning CapeTalk with Lester Kiewit broadcast on CapeTalk https://buff.ly/NnFM3Nk For more from the show go to https://buff.ly/xGkqLbT or find all the catch-up podcasts here https://buff.ly/f9Eeb7i Subscribe to the CapeTalk Daily and Weekly Newsletters https://buff.ly/sbvVZD5 Follow us on social media CapeTalk on Facebook: https://www.facebook.com/CapeTalk CapeTalk on TikTok: https://www.tiktok.com/@capetalk CapeTalk on Instagram: https://www.instagram.com/ CapeTalk on X: https://x.com/CapeTalk CapeTalk on YouTube: https://www.youtube.com/@CapeTalk567See omnystudio.com/listener for privacy information.

This Day in Legal History: John Marshall Harlan DiesOn October 14, 1911, Supreme Court Justice John Marshall Harlan I died, closing the chapter on one of the Court's most powerful voices of dissent. Appointed in 1877 by President Rutherford B. Hayes, Harlan served for 34 years and left an indelible mark on constitutional law—not through majority opinions, but through unwavering dissents that often read as moral indictments of the Court's direction.Most famously, Harlan stood alone in Plessy v. Ferguson (1896), rejecting the Court's embrace of “separate but equal” and warning that the Constitution is “color-blind.” At a time when the legal system was ratifying segregation, Harlan insisted that racial classifications violated both the spirit and letter of the Fourteenth Amendment. His lone dissent—widely criticized at the time—would later become foundational to the Court's reversal in Brown v. Board of Education more than half a century later.But Harlan's commitment to constitutional principles extended beyond race. He defended civil liberties in United States v. E.C. Knight Co., supported expansive readings of the Thirteenth and Fourteenth Amendments, and warned against unchecked corporate power. His approach was rooted in a belief that the Reconstruction Amendments were designed not just to end slavery, but to secure full legal equality.Though his views often put him in the minority, time has proven Harlan prophetic. His jurisprudence helped shift the constitutional center of gravity in the 20th century, as future courts took up the causes he championed alone. Remarkably, his grandson, John Marshall Harlan II, would go on to sit on the Court as well, carving out his own legacy in cases like Katz v. United States and Reynolds v. Sims.Justice Harlan I's death marked the loss of a constitutional conscience—one that held firm against the tide of his era. His dissents remain a blueprint for principled judging, reminding us that sometimes the most enduring legal influence comes not from prevailing, but from refusing to go along.In a massive trial that began this week in London's High Court, over 1.6 million claimants are suing several major carmakers—including Mercedes-Benz, Ford, Nissan, Renault, Peugeot, and Citroën—over allegations that they used illegal “defeat devices” to cheat diesel emissions tests. The lawsuit, one of the largest in UK legal history, follows in the wake of Volkswagen's 2015 “dieselgate” scandal and targets vehicles manufactured between 2012 and 2017.Claimants argue that these manufacturers deliberately programmed cars to meet legal nitrogen oxide (NOx) emissions standards only under lab testing, while on-the-road emissions were allegedly up to 12 times higher—harming the environment and misleading consumers. They seek compensation for what they claim was a systemic, industry-wide choice to cheat rather than comply with the law.The defendants deny any wrongdoing, rejecting comparisons to VW and maintaining that emissions systems are legally and justifiably calibrated to function differently under certain conditions for technical and safety reasons. A central point of contention is whether the sample vehicles in the case contain prohibited defeat devices.The trial currently focuses on 20 vehicles, but its outcome will set a precedent for nearly 850,000 claims and influence another 800,000 similar suits against other carmakers, including Vauxhall/Opel and BMW. The court's decision on liability is expected by mid-2026, with damages to be determined separately.Carmakers accused in huge UK lawsuits of cheating diesel emissions tests | ReutersVisa and Mastercard have agreed to a $199.5 million settlement to resolve a class action brought by merchants who alleged the companies colluded to shift fraud-related costs onto businesses. Filed in federal court in Brooklyn, the settlement—still awaiting judicial approval—stems from a lawsuit first initiated in 2016, challenging rule changes that made merchants liable for chargebacks when they hadn't upgraded to chip-enabled point-of-sale systems.The plaintiffs argued this policy shift violated antitrust laws, claiming Visa and Mastercard moved in parallel to implement changes that benefited the networks while leaving merchants exposed to fraud losses without any offsetting fee reductions. According to the proposed agreement, Visa will pay $119.7 million and Mastercard will contribute $79.8 million. Discover and American Express, also named in the litigation, previously agreed to a $32.2 million settlement.While all four companies deny wrongdoing, plaintiffs' lawyers praised the deal, saying it recovers around 13% of the best-case damages scenario and over half of a more conservative estimate. Mastercard stated the settlement supports its broader efforts to increase security through technological upgrades, while Visa and the plaintiffs' counsel did not comment.This case is separate from the larger $5 billion settlement Visa and Mastercard reached in 2019 over allegations of fixing credit and debit card fees.Visa, Mastercard agree to $199.5 million settlement in merchants' class action | ReutersFederal courts in California and Alabama recently fined two attorneys thousands of dollars for submitting legal filings that contained fake case citations generated by AI. These sanctions highlight a persistent problem: despite repeated warnings, some lawyers continue to rely uncritically on generative AI tools that produce fictitious case law, a phenomenon known as “hallucination.” Judges in both cases criticized the attorneys for failing to verify the AI-generated content, calling the misconduct more serious than simple oversight.In Alabama, Judge Terry F. Moorer imposed a $5,000 sanction on James A. Johnson, a court-appointed criminal defense attorney, who filed a motion containing fabricated citations. The judge noted that Johnson used a Microsoft Word plugin called Ghostwriter Legal and submitted the motion during a holiday weekend while caring for a relative, but emphasized that such explanations do not excuse the lack of basic diligence. Johnson must now disclose the sanctions order in all cases he handles for the next year, and his client—visibly upset in court—requested new counsel, delaying the case.In California, Judge Araceli Martínez-Olguín fined attorney Edward A. Quesada $1,000 after his civil filing contained at least three false citations. Quesada admitted he had run out of time and may have accidentally copied one fake citation from an AI-generated web summary. He was also ordered to complete a CLE course on responsible AI use, with the judge citing his failure to stay informed about relevant legal technologies as a violation of professional conduct rules.Fake AI Citations Produce Fines for California, Alabama LawyersIn my column for Bloomberg this week, I examine the property rights implications at the heart of Pung v. Isabella County, a case the US Supreme Court has agreed to hear. I argue that when the government seizes and sells property for unpaid taxes, “just compensation” shouldn't be defined by whatever price the property fetches at a government-run auction. That process—entirely designed and controlled by local officials—often prioritizes administrative efficiency over fair market value, turning tax sales into what I describe as “clearance rack” events.The problem is structural. Local treasurers are incentivized to close the books quickly rather than ensure former owners recover equity. That means the government may undersell a home, pay itself the back taxes, and call it a day—leaving the former owner uncompensated for the true value of what they lost. Worse, when courts treat the auction price as constitutionally adequate, they allow the taker to set the value of what it took.I draw a comparison to Tyler v. Hennepin County, where the Court ruled the government can't pocket surplus proceeds from a tax sale. Pung asks the natural follow-up: what rules apply when determining how much surplus exists? If courts accept fire-sale auction prices as “just compensation,” they effectively endorse an end-run around the Fifth Amendment.As a compromise, I propose a clear rule: auction prices should only be presumed fair if they fall within 10% of an appraised value. Outside that range, the burden should shift to the government to prove the sale was legitimate. After all, if local governments want the legitimacy of a market sale, they need to run a sale that looks like one. Otherwise, taxpayers are left holding the bag—punished not for failing to pay taxes, but for the government's indifference to recovering real value from their property. This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit www.minimumcomp.com/subscribe

Natalia Gertsik, a scientific researcher turned commercial leader, shares her personal journey into precision medicine after navigating a friend's brutal brain cancer diagnosis. She explains why traditional care navigation falls short for complex cases and how PHM's unique approach to precision medicine is not just saving lives, but also delivering substantial cost savings for self-funded employers.Tune in to understand:The alarming statistics behind the rise of high-cost claimants.The foundational principles of precision medicine and its transformative impact.Real-world examples of how targeted treatment plans prevent unnecessary costs and improve patient outcomes.Actionable insights for advisors to empower their clients with effective high-cost claim management.LEARN MOREPrivate Health Management: https://privatehealth.com/Heads Up Adviser: https://virtuealliance.com/heads-up-adviser/Show Sponsor Virtue Health: https://virtuealliance.com/CONNECT ON LINKEDINNatalya Gertsik, PhD: https://www.linkedin.com/in/natalyagertsik/John W. Sbrocco: https://www.linkedin.com/in/johnwsbrocco/

There's been a huge spike in the number of people with traumatic brain injuries losing their ACC weekly compensation. Ruth Hill reports.

Nigel Farage's deportation plans, jobless benefit claimants surges under Labour and the wedding of the century - Taylor Swift & Travis Kelce announce their engagement!

A top lawyer working with the plaintiffs in a large-scale banking class action is calling for a formal investigation into the 'serious civil service process failures' by MBIE. Rachael Reed, KC, has outlined her objections in a letter to Public Service Commissioner Sir Brian Roche and Attorney-General Judith Collins, voicing concerns with the Reserve Bank's risk assessment. She says the $12.9 billion figure is 'fantastical' and says it doesn't have a grasp of reality. "It just doesn't make sense on that first fundamental level." LISTEN ABOVESee omnystudio.com/listener for privacy information.

A top lawyer working with the plaintiffs in a large-scale banking class action is calling for a formal investigation into the 'serious civil service process failures' by MBIE. Rachael Reed, KC, has outlined her objections in a letter to Public Service Commissioner Sir Brian Roche and Attorney-General Judith Collins, voicing concerns with the Reserve Bank's risk assessment. She says the $12.9 billion figure is 'fantastical' and says it doesn't have a grasp of reality. "It just doesn't make sense on that first fundamental level." LISTEN ABOVESee omnystudio.com/listener for privacy information.

In this second discussion with Andreas Mang and Jon Camire of Blackstone, Stacey Richter has  an advanced discussion on the intricacies of stop-loss reinsurance for high-cost claimants.  This show today, for sure, it's for plan sponsors and anyone on or about plan sponsors; but also listen if you are serving high-cost claimants some other way. Because what you'll learn here today is some insights relative to how plan sponsors go about making sure that they can pay you—like if you work for, for example, some clinical organization. There's a, I don't know, 101 starting point of this conversation if you need it on stop-loss, which is episode 478 from a couple of weeks ago. This show is the, let's say, 201-level conversation that I'm having with Andreas Mang and Jon Camire about, as I said, stop-loss insurance and stop-loss insurance considerations. Emphasizing the importance of eligibility audits and aggregating buying power, the guests highlight best practices to avoid overpaying for coverage and ensuring comprehensive risk management. This episode is sponsored by Havarti Risk, which I am so thankful for. The show, Relentless Health Value, actually does cost an unexpectedly large sum of money to create and produce; so I always appreciate when somebody offers to sponsor a show or help sponsor a show. === LINKS ===

Claimants in an urgent Waitangi Tribunal hearing say the ACT Party's Regulatory Standards Bill is a more aggressive and stealthier version of the Treaty Principles Bill. Their lawyers presented evidence to the Tribunal on Wednesday in a tight, online-only, hearing that had to be pushed forward by 3 weeks. Maori news journalist Tuwhenuaroa Natanahira filed this report.

In Episode 472, Stacey Richter speaks with Dr. Eric Bricker about the impactful strategies hospital systems use to maximize revenue from high-cost patients. They explore the financial complexities and contracting tactics that enable hospitals to profit significantly from a small percentage of high-cost claimants. Key points include the negotiation of provider stop-loss contract provisions, strategic adjustment of charge masters, and the intentional steerage of patients to high-revenue service lines. This episode highlights the intricacies of hospital finance and the hidden mechanisms that drive healthcare costs for self-insured employers and other plan sponsors. We could have 0.5% to 1% of total plan members costing upwards of 40% of total plan dollars. And I bring this up just to highlight the magnitude of the money here. In that show from last week, we take the issue of high-cost claimants from the standpoint of the plan sponsor. Today, however, we're gonna be looking at this from the standpoint of the hospital system. If we were to come up with a motto for the show today with Dr. Eric Bricker, it's that all costs are somebody else's revenue. And when it's revenue and profit of the magnitude that we're talking about with many high-cost claimants, it starts to be less of an accidental “Oh, wow! How did that CABG patient wind up in our clinic? What are the odds?” and more of a “Whoever is not steering patients is letting someone else with a big profit incentive lock down that steerage in deeply embedded ways.”  === LINKS ===

Send us a textAfter much anticipation since we started this podcast, Stuart Colburn joins us for a special episode focused on Texas! Stuart, a shareholder at Downs & Stanford, P.C., has over 25 years of experience in workers' compensation. He shares his journey into our industry and expertly navigates the evolution of the Texas Workers' Compensation system since the 1980s. Throughout the conversation, he highlights the unique aspects that make Texas' approach distinctly different from those of other states.Stuart is board certified in Workers' Compensation Law by the Texas Board of Legal Specialization and was the founder and first Chair of the State Bar of Texas Workers' Compensation Section. He co-authors the Texas Workers' Compensation Handbook published by LexisNexis and, as a certified lobbyist and frequent Division of Workers' Compensation conference representative, brings valuable policy perspective to the conversation.(Correction: Stuart mentions 2011 as the year Wikipedia and iTunes emerged; however, the correct year is 2001.)NOTE: Stuart shares a slide deck during this episode, which you can see in the video version on our YouTube channel. Resources mentioned in this episode:Texas Workers' Compensation Handbook 2025 EditionTexas Department of Insurance - Workers' Compensation Texas Subsequent Injury FundAmerican Medical Association (AMA) GuidesOfficial Disability Guidelines ODG by MCG National Comp ConferenceStuart Colburn bio¡Muchas Gracias! Thank you for listening. We would appreciate you sharing our podcast with your friends on social media. Find Yvonne and Rafael on Linked In or follow us on Twitter @deconstructcomp

Recently on Relentless Health Value, we've been tinkering around with a few recurring themes—recurring through lines—that are just true about American healthcare these days. In this episode of Relentless Health Value, host Stacey Richter speaks with Dr. Christine Hale about high cost claimants and the implications for healthcare plans in 2025 and beyond. They discuss the importance of trust in patient care, the financial incentives behind patient steering, and the critical role of timely and comprehensive data analysis. Dr. Hale emphasizes the need for an integrated approach to medical and pharmacy claims data to avoid expensive consequences and improve patient outcomes. She also shares strategies for plan sponsors to effectively manage high cost claimants through evidence-based care, appropriate treatment settings, and creative problem-solving, while underlining the importance of patient engagement and satisfaction. Don't miss next week's episode with Dr. Eric Bricker for a deeper dive into these topics. === LINKS ===

Lawyers are grappling with what to do about an increasing number of Asian parties in court, who won't settle, and insist on going to court. 

John Maytham speaks to Andre Maxwell, Chairperson of the Protea Village Community Property Association, about what this moment means for the claimants, the challenges they faced, and the way forward for the development.See omnystudio.com/listener for privacy information.

Some Labour MPs have voiced concerns about government plans to reduce the number of people claiming benefits. We explore what's behind the rise in benefits claims and speak to a psychiatrist about the danger of “overdiagnosis”.Vladimir Putin has paid a rare visit to a military outpost in Kursk as Russian forces reclaimed much of the territory held by Ukraine since August last year.A new study has been looking at ways to reduce the risk of oxygen deprivation in newborn babies.

The pause on the 25% duty for CA and MX imports (10% for energy or energy resources) is limited to products of Canada and Mexico that qualify as originating under the USMCA. Importers must understand and apply the complex USMCA rules and maintain supporting documentation to avoid these tariffs. An unexpected 25% increase (and possible penalties) down the road for a faulty USMCA claim could be catastrophic to your business.

Linktree: https://linktr.ee/AnalyticAnalytic Dreamz provides a comprehensive breakdown of the $95 million Siri settlement in this segment. Apple faces allegations of recording private conversations without consent, despite the company denying misuse of data. The settlement covers a decade of device use, from September 17, 2014, to December 31, 2024, across a range of Apple products. Claimants must affirm under oath experiencing unintended Siri activations, potentially receiving up to $20 per device, with a cap at 5 devices. The process involves filing claims through a forthcoming official website by May 15, 2025. Key issues include privacy breaches from accidental activations and concerns over data sharing, countered by Apple's privacy enhancements post-2019. This case sheds light on the tech industry's privacy challenges, the financial impact on Apple, and the broader implications for user privacy in the era of voice assistants.Support this podcast at — https://redcircle.com/analytic-dreamz-notorious-mass-effect/donationsAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

Essential businesses and schools remain closed until Wednesday as Hurricane Oscar makes landfall in Cuba - an island already in the midst of a massive power failure. Millions have been struggling with a near nationwide blackout after a major power station came offline. The government said power is expected to be mostly restored by Monday evening. We hear how food and water are proving difficult to come by for some islanders.The High Court in London begins hearing a civil trial over the responsibility for Brazil's worst environmental disaster - the collapse of a mining dam in 2015. Nineteen people were killed and hundreds of homes were destroyed as toxic water was released. Claimants are now seeking $47bn in damages. And, as the 16th annual summit BRICS is about to be hosted by the Russian President VladImir Putin – we speak to Lord Jim O'Neill. He coined the synonym ‘BRICS' but told us he felt the organisation ‘no longer knows what it stands for'. Its members - including some new ones attending for the first time - account for 40% of the world's population and around a third of the world's GDP. You can contact us on WhatsApp or send us a voicenote: +44 330 678 3033. We would love to hear from you!

We take a closer look at Ottawa's plan to relocate more asylum seekers away from Quebec and Ontario, including thousands more to New Brunswick. Adi Rao of the Madhu Verma Migrant Justice Centre speaks with host Rachel Cave.

An ACC lawyer and advocate is taking legal action against ACC, saying injured claimants are losing jobs and homes while they wait to have disputed decisions reviewed and resolved.

Claimants today at the Waitangi Tribunals inquiry accused the government of gaslighting Maori through its Te Reo policy, something lawyers for the Crown have denied, Pokere Paewai reports.

17 Apr 2024. We look at the impact of wild weather and what could it mean for the insurance industry with various experts: AFIA Insurance Brokerage Services LLC, octopus & GIG Gulf. Plus, we speak to the CEO of Spinneys, Sunil Kumar, about the company's growth plans on the back of its IPO announcement.See omnystudio.com/listener for privacy information.

Summary   Ron Gura, the co-founder and CEO of Empathy joins us today on our show. Empathy aims to provide support and guidance to individuals who have lost a loved one, helping them navigate the administrative and emotional aspects of the process. He shares his personal journey and the inspiration behind starting Empathy. The conversation delves into the workflow and touchpoints of Empathy's services, the co-branded experience for carriers and producers, and the impact of Empathy's services on claimants. The episode concludes with a discussion on breaking the taboo around death and the value of experience over product in the insurance industry.   Takeaways   Empathy is a company that provides support and guidance to individuals who have lost a loved one, helping them navigate the administrative and emotional aspects of the process. The taboo around death and loss needs to be broken, and conversations about mortality and end-of-life planning should be encouraged. Empathy offers a co-branded experience for carriers and producers, allowing them to provide personalized support and resources to their policyholders and beneficiaries. Having conversations about death and end-of-life planning is essential, and individuals should take the time to discuss their wishes and make necessary arrangements with their loved ones. Experience and support are more important than the product itself in the insurance industry, and companies should focus on delivering a positive customer experience throughout the claims process.   Chapters   00:00 Introduction and Weather Update 01:03 The Importance of Life Insurance Claims 02:07 Introduction of Guest: Ron Gura, Co-founder and CEO at Empathy 03:06 The Taboo Topic of Death and Empathy's Mission 04:12 Ron Gura's Background and Journey to Empathy 06:26 The Impact of Personal Loss on Ron Gura's Mission 08:25 The Need for Conversations About Loss and Death 10:04 The Workflow and Touchpoints of Empathy's Services 11:25 The Co-branded Experience for Carriers and Agents 13:26 The Administrative Support Provided by Empathy 15:44 The Impact of Empathy's Services on Claimants 17:44 The Logistics and Timing of Introducing Further Business Relationships 19:02 The Importance of Breaking the Taboo Around Death 23:20 The Value of Experience Over Product in the Insurance Industry 31:10 The Right Time and Approach to Introduce Further Business Relationships 35:12 Closing Thoughts and Advice on Having Conversations About Death 38:33 Conclusion and Call to Action     Paul Tyler (00:03.303) Hi, this is Paul Tyler and welcome to another episode of That Annuity Show. Bruno, how are you? Good. Coming in clear from Canada. This is great today. Yeah. Tisa, how are you?   Bruno Caron (00:09.152) I'm very good, thank you Paul.   Bruno Caron (00:13.94) Always happy to be here.   Tisa Rabun-Marshall (00:18.474) We've got snow here in the Connecticut area, but snow day, but doing good.   Paul Tyler (00:22.459) Indeed, indeed we do. Ramsey, it's the first time it snowed in forever. You missed it.   Ramsey Smith (00:27.473) Yeah, I think we sent it your way. It was raining like crazy here for a couple days, but now the sun's just coming out, so yeah, you're welcome.   Paul Tyler (00:34.003) All right, well good. Hey listen, we got a really interesting episode with a great guest today, just to sort of connect the dots with some of our previous shows. What's the most important thing about life insurance? It's gotta be claims, right? That's at the end of the day, what we're doing is paying checks or income payments or death claims and there's no more sort of fundamental purpose in our business, yet it's a hard one to, it's hard to do right.   You know, TISA, we've had a couple of conversations, right, with people who've explained how it can be disruptive in terms of cross-generational relationships, right? Yeah, so today we have somebody who's actually trying to fix that. It's Ron Gura. Ron, I hope I pronounced your name correctly, co-founder and CEO at Empathy. Thank you so much for joining us today.   Tisa Rabun-Marshall (01:11.073) Absolutely. Yeah.   Ron Gura (01:26.154) great to be here. I always dreamed about being on a podcast with the word nudity and now I'm... look at my eye. I made it.   Tisa Rabun-Marshall (01:34.967) Hahaha   Ramsey Smith (01:35.961) Oh dude, all right.   Bruno Caron (01:36.) Today's your day.   Paul Tyler (01:37.441) Today it is, you know. SEO is going to go through the rough. SEO will go through the rough here.   Tisa Rabun-Marshall (01:40.098) Dreams come true.   Ron Gura (01:43.682) Absolutely. I'm excited to be here and eventually talk about just that, that big moment of truth. That's what a claim really is, right? It's a premise. It's more than just financial peace of mind. What else happens? So that's where we come in and excited to talk about that and what's happening in life insurance.   Paul Tyler (01:52.697) Yeah.   Paul Tyler (02:07.375) Yeah, well this is great. So, well first off, tell people like, you know, what is empathy and what does your company do?   Ron Gura (02:14.102) Sure thing. So empathy is primarily the friend you wish you had when you lose a loved one. That's how I'd love people to really think about it. It's not just a friend, it's that knowledgeable neighbor that happens to be an ex-state lawyer, but now maybe also a social worker. And it's really, really experienced with...   winding down the affairs of a loved one, but also helping you get back on your feet again. That's really what we're trying to do here, save people, families, time and money and stress when the inevitable happens. As you know, Paul better than most, it happens. It doesn't escape any of us. It's the inescapable truth, but at the same time, it's the single largest consumer sector that is, for some reason, untouched. Untouched by innovation.   untouched by technology, unspoiled by software really. And I think we can all agree the reason it's untouched is not some regulatory barrier or technology barrier. It's just us, us here on the call as humans, trying really hard, so hard, not to think about us, not to contemplate our own self-mortality.   And we believe here at Empathy that like any other taboo topic, this one should be broken down as well. And if we put the right technology in place with the right amount of human touch, we can really change the market and empower people during what we believe is life's most challenging moments.   Ramsey Smith (03:55.041) So tell us a little bit about your journey. You've touched a lot of different areas, the innovation space, various startups. Tell us about how that journey informs your approach to empathy.   Ron Gura (04:12.642) So yeah, I'm a consumer internet person. I'm not a life insurance expert. I play my ignorance for what it's worth and get to be the outsider in a lot of meetings asking funky questions like, hey, didn't that claimant beneficiary who just called you, he's not a good lead. Like, isn't that an adult child, stranger, who's not your customer?   calling you, giving you all of his information, all of his data, chasing you again, giving you more data, telling you he's at need, need money, money you know you have, money you know he's gonna get in a few weeks, big liquidity event, bigger than probably any other big event he's gonna have.   And what are you going to do? Like you're going to do what? You're going to send him the check and do more Superbowl ads? The guy's right here. So a glass of wine as you wait for your table is really how I look at this from an outsider view. Like, what's going on? Isn't this weird that the only industry within insurance   where the beneficiary is not the policyholder, technically, is not, people don't think about it. Of course, if a PNC claim, that's a renewal moment. Like someone's gonna give you really good service. And don't get me wrong, paying effectively and accurately and with sympathies is good service. And a lot of carriers, I think have their...   They wear their heart on their sleeves and they're trying to do good in this neutral negative event. But long story short, it's not enough. From a background standpoint, that's me. I'm a consumer intent person. I've been going in and out from startups that usually I get to start myself as a naive person. I get to wear my pink rose glasses all the time.   Ron Gura (06:26.278) And in and out from bigger companies, I had the chance to have meaningful executive roles at eBay and PayPal and WeWork, and always very much focused on the product and the consumer. In terms of what led me to this, I think, well, nobody starts an end-of-life company without having their fair share of loss. I had my fair share of loss, definitely. I can share with you that...   while probably not the final trigger, definitely the earliest one was losing my brother at an early age, Amir, that completely changed family dynamics. My single mom with three opinionated, well, playful boys, over energetic Israeli boys, who...   Ron Gura (07:28.274) grew up in Haifa, north of Israel. And my brother, Amir, my middle brother, was diagnosed with a very severe and aggressive type of cancer. And after he passed away, I vividly remember one Saturday morning, my mom literally taking a lock, key and locking his door, which remained locked for the next 15 years.   and was a very vivid and clear representation and reminder of what happened. And also how we're shutting it down, not to be talked about in many ways. With no complaints on my mom's side here, but... It's the first time I understood nobody wants to talk about loss. Well, kids usually get up from watching Lion King for the first time.   Bruno Caron (08:25.584) Thanks for watching!   Ramsey Smith (08:26.587) Mm-hmm.   Ron Gura (08:26.947) and kind of losing their faith in humanity, lions and uncles at the same time. But they have a lot of questions. Kids, I got two daughters myself now, Tom and Danny, and nine and six years old. They ask a lot of questions and sometimes after Disney movies, they do ask me questions about mortality and life and death and they kind of move on. But I didn't.   I made my mom's life very difficult. I've been asking questions again and again and again. And then I had more loss, friends, colleagues, natural loss, even friends from the army. But it was actually only after eBay acquired my first startup, the GIFS project, and I was a young product director at eBay, one of my employees lost his wife to cancer.   and I showed up in an apartment in Milpitas, San Jose.   Knowing that I don't know what to expect, knowing that it's going to be very different than my community, my religion, my experience, but didn't know how different. He was by himself with a suit, shaved, doing probate paperwork, asking me about when do I need him back. That was really a big aha moment for me. That was when I took my black notebook and said, oh.   That's weird. Like, why don't we have anything for this? Like we need headspace for grief, but we really need toolable tax for a state settlement. And we kind of need both. And we kind of can't decouple the two. Grief is made hard by logistics. Logistics are made harder by grief. And I don't get the luxury of choosing one of them and say, I'll do a FinTech product that is only pre-filling your probate stuff. That's...   Ron Gura (10:33.142) It's not going to be something people want to talk about or use such an emotional period. So long story short, three and a half years ago, my co-founder and I, Jan, we started Empathy. We're now 80 people between New York headquarters and Tel Aviv R&D Center. We have $48 million in venture capital from 2.1 folks like General Catalyst, Alif, Entree, and others.   We work with MetLife, New York Life, Guardian, many other, dozens of other carriers, dozens of big employers, progressive employers who want to show up for their teams. And what I think we're doing more than anything else is putting a spotlight on this taboo topic and creating hopefully a very empowering workflow of continuity of care.   Paul Tyler (11:25.115) Maybe talk to us a little bit about the workflow. You know, we have people who listen who are, some people on the group side, we've got some people on the individual side, of course, we always look at it from our own lens, right? At the end of the day, it's a person. Stuff for the loss is getting checked. Maybe talk about the customers on either end. Like if I'm a, you know, I've got an employee and I've had a policy, or I guess my loved one was an employee and I've got a policy check or I'm a beneficiary. How does that workflow?   Ron Gura (11:36.75) Mm-hmm.   Paul Tyler (11:54.515) feel to a person who's a beneficiary.   Ron Gura (11:58.478) So the tiny differences. The differences would mostly be on the touch points. We do a no-code, simple implementation. We learned the hard way that the one thing that is more expensive to carriers than money is IT resources. I think that's a big lesson for us. And since we got that, we shifted to a no-code implementation and added more than 14 carriers in 14 months.   And that was a big aha moment for us and what drove a lot of our Forex growth in 2023. We add a few multifaceted simple touch points. For example, the script on that call, sorry for a loss, but we're not going anywhere. That insert on the brochure on the snail mail with the QR code, hey, if you need anything at all, scan this.   Email that says, number one, we got your claim. Number two, you're eligible for 24-7, bereavement care. So these simple touch points didn't require any data transfer. We don't need to know the social security. We don't need to know the face value. We don't want to know if Ms. Jones was rich or poor. We want to democratize access for grief in the state administration. So when you think about group and individual, it's just those touch points that are slightly different.   the bereaved next of kin, who cares? Like they're dealing with so much, who cares if they got the policy from, you know, New York Life GBS or New York Life individual. It's group or individual, you still have probate, funeral, grief, sleep support, mood tracking, social security, IRA, deactivation of social media, deactivation of accounts, banks.   selling the property, fighting with your sister, doing a state tax, thinking about identity theft, and you know, just 50 other topics from veteran administration all the way to IRAs. So when someone passes away, it's overwhelming. We publish every January the cost of dying report to create more awareness.   Ron Gura (14:23.026) on the full implications on us as individuals and as a society for the employer cost, the financial cost, the emotional cost. You can see that on empathy.com. And it's 50 pages of infographics that are basically showing us it's more than a year of work to wind down the affairs of a loved one on average. It's more than 400 hours of direct work. Of course, from a group standpoint.   Of course your employee has a second job, he can't bring his whole self back to work. Of course from an individualized standpoint, that glass of wine as you wait for your table makes a lot of sense when you are thinking about generational loyalty and asset retention and NPS because what other moment of truth do you have that is bigger than someone calling in and saying, I lost a loved one?   Where is my money? Of course, of course you need to have the money ready. That's the 90%. I, life insurance is still about financial protection, but people expect much more and we hope they will. I hope they will continue to expect much more. Right now, one out of seven claimants in the U S is getting more from empathy.   Ramsey Smith (15:44.821) So is it, is the solution, I don't want to call it a product, because that doesn't give it the right name, but the experience, let's call it the experience. Is it branded according to the carriers? Is it branded as empathy? So is it white label or is it, are the carriers able to carry their own brand?   Ron Gura (16:05.462) So it's both. It's a co-branded experience. Just give you a quick example if you're already on video. So I'm going to pop my Empathy app. And one of our carriers is going to pop as a covered by. And then inside the experience, you're going to have both the digital app. You're going to have your care team service element 24-7, especially social workers and more that are available for discussion.   Ramsey Smith (16:21.344) Yep.   Ron Gura (16:35.106) You're going to have other places where you understand this is coming from this carrier specifically. And can even create a lead back to them at the right time in the least intrusive way possible. The exact opposite from an agent calling after the loss and say, hey, what about you? This is actually about first thing and first thing first, cementing.   trust in showing up. First let me save you some time in money and stress.   First, let me offer you a glass of wine. Then let's check what's going on with the table. First, make sure that you got what you need right now. If that's funeral comparison, if that's estate tax, if that's cleaning the property. Whatever advice or support you need, you got it. Then when you're ready to talk about your financial legacy, your family.   Of course, the same carrier that sent you to empathy would love to continue that conversation with you. And why not?   Ramsey Smith (17:44.737) So how much of the logistics? So there's the, obviously there's the, there's a psychological element of it, but of all the long list of logistical hurdles you have to go through that you mentioned before, how many of those are you providing sort of specific intervention on to make those steps easier?   Ron Gura (18:03.638) I'd say it's half of what we do. We do the filing for petition for probate. We do the preparing for the house for vacancy. We close and deactivate accounts and cancel subscription. We give you a dedicated personal care plan that is personalized for you, Arizona or New Jersey, five siblings or none, Jewish or Muslim, executor or not.   We help with the eulogy, with the obituary, the funeral, the debts, the notifications of loss, the social security, the IRAs, the purchasing of a headstone all the way to the bonds, the credit bureaus. So it's a long list of tens of items in the administrative side, probably hundred something items that you need help with. Every one of them could be quickly five other items. So we don't just tell you what to do.   We actually do it for you and with you.   Ramsey Smith (19:01.417) Got it.   Paul Tyler (19:02.131) Tisa, could you have used this?   Tisa Rabun-Marshall (19:05.874) Yes, so I experienced a significant loss in August of 2021. As a middle-aged adult, it was my first major loss, so I'm grateful for that. But because it was my first major loss, it was a long process. So I think it took two and a half years. We just closed probate.   We just did. I don't know, what's this? This is February. Maybe it was right before Christmas. So as I'm listening to you speak, Ron, I'm thinking through all of it feels very real. I guess I have a couple of follow-up questions. One of my questions was, I heard you say bereavement care, I think is what you said. So I wanted to dig into a little bit of the services under that umbrella, but I think you probably just spoke about that a little bit.   I guess I'm curious looking at the mobile app that you showed that is claimant or beneficiary focused. What are the resources or what is the version of that app, if any, look like for the agent? What sort of support or guide or talk track are you giving to the agent so that they can handle that claim experience differently? Say the things differently, do the things differently to still cultivate the lead, but in...   you know, in that way that's not intrusive, to use your word, and in a way that sort of shifts their thinking about the opportunity in that moment of truth. You could talk a little bit.   Ron Gura (20:42.127) First thing, I'm sorry to hear about your loss and the process that you're going through and two and a half years in. It might feel like a lot of time to do the administration, but it's actually very normal on the executor side. Like when we're talking about 18 months average, it's...   Tisa Rabun-Marshall (20:57.687) Get coming.   Ron Gura (21:04.53) including a lot of folks that are not the official executor. Once you are and you're actually going through probate, two years plus is very regular in the US, unfortunately. And well, I do.   Tisa Rabun-Marshall (21:17.95) In particular, when everyone lives in different states where they grew up. Don't cross the state line because that adds, you know, months, years.   Ron Gura (21:26.294) that's also not very rare in the United States. And just even having one piece of property in Arizona and a motorcycle in New Jersey, that's it. You're going through a whole new fun process and we help refill that. So on your questions, first, bereavement care is really the emotional side of everything we do. So there's really just the two halves that I was mentioning before. And on the...   Tisa Rabun-Marshall (21:29.689) Yeah.   Ron Gura (21:55.826) emotional side, I would split it also into the product and the service. The product would be everything you would imagine a wellness app to do in 2024, but tailored for grief. So grief coaching.   grief meditation, grief music, audios, podcasts, videos, thousands of articles about any topic from as small as how do I tell the kids all the way to a specific probate petition in New York City. So that would be mood tracking and sleep support. And of course,   a lot of self-reflections and healing. At the same time, anything the app can do just yet, or if you need anything, 24-7 bereavement care with our care managers. That could be 2 a.m., can't fall asleep, or it could be middle of your workday when you ran out of a conference room to cry in the bathroom because you feel guilty. You call us, we take those calls.   Tisa Rabun-Marshall (22:54.623) Mm-hmm.   Paul Tyler (23:10.535) Wow. Well, you know, maybe...   Ron Gura (23:10.826) You can chat on the app, you can talk on the phone. We're always there. You're never alone when you have empathy.   Tisa Rabun-Marshall (23:11.478) Yeah, it's.   Tisa Rabun-Marshall (23:18.652) That's very comprehensive.   Paul Tyler (23:20.999) Yeah, it is. And, you know, just double clicking on something you said, you know, because we do have a lot of distributors and stuff on the line. You said, Oh, you kind of like insert the opportunity for an agent to actually help somebody through the financial process at the right time. I like to understand that a little more just to give you my backstory. I worked at MetLife when that was, you know, actually had a retail division, you know, it was, and we had a whole program called Delivering the Promise, which was delivering the death claim check.   You know, two observations there. One is any agent who actually gets to deliver a death claim check will be an agent for life. That is a transformative experience. I think a lot of agents are selling the product. You never actually get to see the product getting used. And those who are lucky enough to actually see this, it was a huge, a huge, a huge event in their life to deliver that and see, see the product actually works. Um, now to flip that side, it was also very.   competitive process because as you said, it's a massive event financially for somebody. A lot of big liquidity event, maybe one of the biggest ones they'll have in their lives. How do you do this appropriately? Now, we screened agents. This is not something you just sort of drew a number for. You had to get approved. You had to go through a coaching process. You had to learn how to do this. Talk to us about how and when do you digitally   start that conversation. You know, when, to T's point, is it month, you know, I think this is horrible, month 15 or is it month 16 or is it something that happened along the way that you've, that say, okay, now's the right time to do that.   Ron Gura (24:51.639) Mm-hmm.   Ron Gura (25:05.486) So first thing I can tell you that while Midlife did decouple from the retail business, they still deliver on the promise and they do it on the group side. I got to know the organization very closely and the way they show up for their national accounts and employers and support the next of kin of the employees is very, very unique, very efficient and I think very comprehensive.   And when that happens, it's really no different, like I said, between an individual and a group. You are still going through all of this, even if your loved one was a Nike employee or a Google employee, or never was a freelancer and never had a group life. It's still a loss of a loved one. From the agent perspective...   The shortest explanation I can give in probably a good summary of everything we do here is taking a transaction and shifting into our relationship. That's really what this is about. We have this massive multi-trillion dollar industry that is intermediated, that is lacking engagement. It's kind of, you know, you have such amazing retention.   relatively speaking to SaaS products, but you don't really have any meaningful engagement with the policyholder. And even on the agent side, let's take a classic agents of business, probably 200 years old, some big mutual in the US, and 10,000, 20,000 agents, whatever the number are gonna be, still 70% of the claimants are gonna be unassigned.   or how the industry likes to call them, but I don't, orphans, orphan claims. 70%, that's the number. We have a pretty good umbrella view on the entire industry of seven-digit volume of claims every year. Not even the largest carriers in the United States have seven digits in claim volume. I can tell you, even if you did the absolute best job as an agent...   Ron Gura (27:24.446) The chances of my dad's agent to still be in business practicing when my dad passed away, just not likely. High net worth individuals, of course, different mechanics here, different physics, people make different efforts for obvious reasons. And while we don't differentiate, the market does. And you'll see.   people spend more time about generation loyalty and getting to know the son or the daughter. However, at the end of the day, agents are about top line. Agents are about my next deal. And talking to the Barret family, showing compassion, it's a part of the job, but it's not my training. It's not something...   I'm uniquely positioned to do outside of the fact that I've seen it before. And my admin or myself are going to shift them to the claim center. Maybe have some extra layer of care like, Hey, how's it going? Do you need anything else? But it's there's a claim center. That's what's going to happen. What we do is we, when there's an agent involved on the 30%, we do everything around the agent. Agents are the heroes. So John Smith.   is sending empathy to Mrs. Jones.   and everything is coming from him. If it's automated or not, he decides, he can send something every month. Every time, hey, I see you're making some progress on the will, on the probate, do you need help with this? And provide just a series of emails that are coming branded from the agent. That's a big help for people.   Ron Gura (29:21.234) And I think the industry is aligned. And when there is an agent involved, you want to go for the agent. And we have a back office for them. To your question, Tis, this is what we do. I showed you a little bit of the consumer app, of course. But there is a whole different system for agents. They can add a phone number and one click.   Tisa Rabun-Marshall (29:34.151) Yeah.   Ron Gura (29:41.942) They get the whole experience co-branded agent front and center. There's even a letter from the agent waiting in there. So putting the agent's front and center is, is very important.   Tisa Rabun-Marshall (29:55.222) That's great. It helps them build that relationship you talked about.   Ramsey Smith (29:59.285) I mean, there's so many sort of interesting time-related issues to this sort of customer journey, right? So, Paul, you talked about delivering the promise. So the first time gap is between the point of sale and the claim, which things change, maybe the agent's not in the business anymore. All right, so then you have the claim, very important point of delivering the promise, right? But everything else that you're talking about, Ron,   around bereavement and settling the estate. And then at some point being ready for some further business relationship is essentially undefined, right? Ahead of time, you know, at T zero, it's undefined. And it could take months or weeks or years. And so that's a very interesting sort of part of the experience and how you manage it, how you figure out when it's time and when it's time, to whom do you send that?   Who ultimately gets that lead? Does it go back to the company? Does it go back to the same agent or that agent has gone to somebody else? Like how does, what is the path for the further business relationship down the road?   Ron Gura (31:10.358) So the last part is actually the easiest, right? Like the company defines if they want everyone to go to a central location, a phone, a digital form, easy to enhance and customize. It's within our three weeks implementation period. That's the easy part. But figuring out what and when to say to the beneficiary in order to put this in front of them, but not selling them.   Ramsey Smith (31:13.213) Yeah.   Ramsey Smith (31:18.963) Yeah.   Ramsey Smith (31:22.206) Mm-hmm.   Yeah.   Ron Gura (31:39.382) is really important. So I won't share exactly our unique data around when to surface what, but I will tell you that if someone is a few months in, it's not a secret that they're starting to think about the fact that, well, I'm next. There's a reason why 33% of the wheels that people buy   Ramsey Smith (31:41.249) It's very hard.   Ron Gura (32:08.626) are after the loss of a loved one, usually a parent. It's that clear generational movement that people comprehend. And we wanna surface that at the right time, in the right place. People are understanding the implications of not having those sensible conversations with their loved one just a few weeks and months ago.   They understand even if they had a will, even if they had insurance, they didn't have the iPhone password. They don't know what to do with the dog. They're not sure what's, you know, you prefer cremation or not. They didn't have these conversations. And now they're thinking, you know what? I want to have all this information in place for my kid. They also get big check and they have liquidity and they're well positioned to now.   make a big purchase like life insurance and a big commitment. And they kind of understand like that their best position to understand the value of this industry because they get that check. And just like Paul said, an agent that delivered a check, understand the value, a beneficiary that received the check, understand what life insurance is. Until then it's a financial tool.   Ramsey Smith (33:09.511) Yep.   Ron Gura (33:34.374) And for us, it's really important to surface that at the right time. People are reading. We have far more data points than an agent sitting at their office thinking, should I call me Jones today or tomorrow? It's been two months or three months.   Ron Gura (33:52.794) we see what's going on and what state of mind she is and what can really add value to Ms. Jones. We will never do anything that is not 100% aligned with the beneficiary's best interest. I think if we do that once, we don't have a justification in this end of life category. And every employee that on board here at Empathy, that's the first thing they read on their.   Onboarding, if we lose track of our mission to help families deal with loss, we're just as good as the next predatory funeral home chain. Just another person trying to sell people something. But if we first and foremost say, wait, is this saving time and money and stress? Is this a good offer? Is this a good brand? Is this what the beneficiary wants to hear right now? Is this going to find its empowering?   to get support on probate. They're going to find it empowering to get an agent, call them and say, hey, here are your options in terms of your proceeds. Or maybe it's not the right time for that, and they're right now dealing with something very different. We know that. We're best positioned to know that more than the carrier, the agent, or any advisor.   Paul Tyler (35:10.471) Bruno, what are your thoughts?   Bruno Caron (35:12.349) Well, I was wondering, I mean, do you have any advice or any kind of a low hanging fruits, easy things people can do to save, to save significant amount of time when those things happen?   Ron Gura (35:31.882) Well, estate planning as a whole is something that pretty much 70% of Americans don't do. I can't say that's a low-hanging fruit. The folks that say it is, I would not necessarily trust them.   People that say, oh, five minute and you're gone, easy, fast, affordable. Wills and trusts and guardianship documents should not be fast and affordable. They should be thoughtful. You should be thinking about your hierarchy of values. You should be opening a bottle of wine with your significant other and asking you some really tough questions about who's going to raise the kids. Uh, however, even without proper documentation, having the conversation is a lot, talking with your parents is a lot.   Sometimes they will start talking back if you bring this up, but people don't wanna talk about mortality. So the longing fruit is break the taboo. Nothing to be ashamed of. This is literally like sex education in the 50s. Like just the fact that we are running away from it doesn't mean it's not a thing and people don't wanna, and need the support and advice.   Paul Tyler (36:41.799) Break the taboo. I think we've got a title for our podcast here. Tisa, do you think that works?   Tisa Rabun-Marshall (36:46.134) Absolutely. That's a note to end on, or start to end on. Yeah, absolutely. I mean, I couldn't agree with you more. The loss I referenced a few minutes ago is exactly that. Thankfully, I had everything, my father had everything lined up, but it was the aha moment that like, ooh, I'm a parent. I probably need to do something, so if something, you know, so that the same experience could be for my child.   That is absolutely the reaction of getting your own affairs in order when you either probably witness a loved one not having their affairs in order and the impact it has to you or having them in order and the impact that has to you, you know how much harder it could have been without things in place. So I totally agree with you there. And I think it's just the conversation, setting the expectations, making those wishes known. They are hard conversations to have.   having to ask my 14 year old who you want to be with if mommy's not here. Who you know, I mean my heart's like pounding right now even saying that again. But it's necessary. And I think on the fight, it's kind of a similar like topics that are off limits, right? Like politics, religion, money.   Death. So, we shy away from having the conversations. They're uncomfortable sometimes and we have differing values. But I think to your point, like for your question of low hanging fruit and wrong, your answer of one of the easiest things, yet hardest things to do is to have a conversation and start to talk about things. So I appreciate that advice. I hope it resonates with our listeners.   Paul Tyler (38:06.175) Death.   Paul Tyler (38:29.148) Yeah, Ramsey.   Paul Tyler (38:33.482) Oh, sorry.   Ramsey Smith (38:37.717) Sorry, I was on mute. So I've long been of the view that if there were a simple mathematical formula for the opportunity set in the insurance space, it would be experience greater than product, just that. Like that is the direction that I think in all sectors of our industry, whether it's.   Ron Gura (38:50.263) Mm-hmm.   Ron Gura (38:57.526) Beautiful.   Ramsey Smith (38:58.301) with life, whether it's life, PNC, et cetera, that is where the greatest opportunity lies, both in terms of having happy customers for our existing businesses, but also to be able to extend our businesses into other areas. And Ron, you started out talking about just how you have this interesting situation in like in insurtech generally, what ends up being the problem that blows up a lot of new companies is that they...   their customer acquisition is too high, right? Then you have incumbents that have really deep relationships, even if they're not really worked on explicitly, but there's these really deep relationships of trust that exist. There's people that are under the tent and depend on you, and I think there's great opportunity to expand those relationships over time if done properly.   Paul Tyler (39:52.255) Yeah. Hey, Ron, listen, thanks so much for your time. I think what you're building is, it sounds like a wonderful service. I think, you know, I've been through it twice with both parents and I would have loved to have it as well. A little less recent than Tease's experience, but what's the best way for people to learn more about your company and, you know, for your carrier or, you know, distributing, you want to learn more about offering the product? What would they, where should they go?   Ron Gura (40:20.086) We'll keep it very simple. You go to empathy.com, you'll see our testimonials and case studies, our videos, our care team, our app, can reach out to us for a demo. And I think really join the movement of more and more carriers who are embracing a new standard when it comes to beneficiary care. And we're very excited.   about the momentum in the US, expanding beyond the US in 2024, and even beyond the life claims into additional adjacent categories that also include a moment of truth. And you'll be hearing more about that. But for now, empathy.com is really the simplest and easiest way to learn more about us.   Paul Tyler (41:09.119) Excellent. All right. Well, thanks so much. And I want to thank our listeners. Share this show. Recommend us to your friends. Give us feedback. And be sure to join us next week for another great episode of That Annuity Show. Thanks, everybody.

A True North exclusive reveals the federal tribunal in charge of approving refugee and asylum claims says it's not keeping track of adults who lied about their age and claimed they were unaccompanied minors upon arrival in Canada. Plus, if a Liberal MP gets his way, Senators and members of Parliament will no longer need to swear an oath of allegiance to King Charles III. And Liberals set their sights on Conservative MP Leslyn Lewis over a petition calling for Canada to leave the United Nations. Tune into The Daily Brief with Cosmin Dzsurdzsa and William McBeath! Learn more about your ad choices. Visit megaphone.fm/adchoices

No copyright ©️ intended.Credit to the content creator of whatever was added on.A 5 Hour critical observation on how what is perceived as the way of the 3 golden generations that has been misconstrued & manipulated, alongside a mention of 50 statements of Shaykh al-Islam Ibn Taymiyyah رحمه الله on how to deal with those who fall into mistakes in Aqeedah and subsidiary matters in addition to a further 30+ statements of other scholars on matters pertaining to cooperating with those who have different leanings. ‎Dealing with other controversial issues such as the situation regarding Shaykh Muqbil رحمه الله and navigating the stance on Imam Abu Hanifa رحمه الله , highlighting inconsistencies and contradictions that has broken many homes, marriages and communities, and so much more.-----There are some blanks during which the Ustadh is showing text on the video, so I encourage you go and whatch his video on his youtube channel if interested: Original video here.

Join Ben, Scoot, Drew, & Kelly for DP 1237! Tonight,  we're going to zap the crap out of Scoot, talk about Jared doxxing people to appeal his false DMCAs, AND MORE! Last Night's Pre Show: https://the-drunken-peasants-podcast.simplecast.com/episodes Rent CLASSIC EPISODES from DP ON DEMAND for ONLY $2.99 each! Follow this link: https://vimeo.com/ondemand/drunkenpeasantsondemand Support our audio feed to get EXTRA content:  https://podcasts.apple.com/us/podcast/the-drunken-peasants-podcast/id1013248653https://open.spotify.com/show/6eulbMV0APnJ5yNR8Jc3IMhttps://bit.ly/SticherDrunkenPeasants New PC Fundraiser: https://drunkenpeasants.betterworld.org/campaigns/help-drunken-peasants-get-new-co Streamlabs Link: https://streamlabs.com/drunkenpeasants/tip *Google Calendar* https://calendar.google.com/calendar/embed?src=sund2qrenq20a2d5802cpp9i6k%40group.calendar.google.com&ctz=America%2FLos_Angeles*iCal* https://calendar.google.com/calendar/ical/sund2qrenq20a2d5802cpp9i6k%40group.calendar.google.com/public/basic.icsIntegrate into your Calendar: http://bit.ly/DPTAPCalendar SUPPORT US:  https://patreon.com/DPhttps://bit.ly/BraveAppDPhttps://bit.ly/BenBillyMerchhttps://streamlabs.com/drunkenpeasantshttps://youtube.com/DrunkenPeasants/joinhttps://subscribestar.com/DrunkenPeasantsPODSURVEY: https://podsurvey.com/peasants SOCIAL MEDIA:https://discord.gg/2fnWTbEhttps://fb.com/DrunkenPeasantshttps://twitch.tv/DrunkenPeasantshttps://twitter.com/DrunkenPeasantshttps://podcasts.apple.com/us/podcast/the-drunken-peasants-podcast/id1013248653https://open.spotify.com/show/6eulbMV0APnJ5yNR8Jc3IMhttps://bit.ly/SticherDrunkenPeasantshttps://bit.ly/DPUndergroundhttp://bit.ly/DPTAPCalendar BEN:  https://bit.ly/BenpaiYT BILLY THE FRIDGE:  https://youtube.com/Overweighthttps://twitter.com/BillyTheFridgehttps://instagram.com/BillyTheFridge PO BOX:The Drunken Peasants1100 Bellevue Way NESte 8A # 422Bellevue, WA 98004Be sure to put the name on the package you send as "The Drunken Peasants". If you would like to send something to a certain peasant, include a note inside the package with what goes to who. SPECIAL THANKS:https://twitter.com/GFIX_https://twitter.com/SYNJE_Grafxhttps://twitter.com/MarshalMansonhttps://berserkyd.bandcamp.comhttps://youtube.com/channel/UC9BV1g_9Iq67_yCyj5AX_4Q DISCLAIMER:The views and opinions expressed on our show by hosts, guests, or viewers, are their own and do not necessarily reflect those of Drunken Peasants.

Lizzo has responded to the accusations and the attorney representing the plaintiffs said there may be more claimants.Thanks for joining me on the Being Beautifully Honest channel! Leave a comment, like & subscribe for more and check out my other videos.Get your Byte Aligners For a Discount of $100 off and 75% off an impression kit! http://fbuy.me/v/ewill_1Build your credit and earn reward points with your debit card! Check it out and you'll get 50,000 points ($50) if you sign up: https://extra.app/r/ELZABG2EGV...Your beautiful skin is waiting at www.inezelizabethbeauty.com and enter the code PERFECT10 for 10% off your first order! Get THE BEST EYELASH STRIPS here! https://temptinglashes.comJoin me on my other platforms!WEBSITE: WWW.BEINGBEAUTIFULLYHONEST.COMPODCAST: bit.ly/thebbhpcastSUBSCRIBE TO MY OTHER CHANNEL AT bit.ly/ytcmobeauty#lizzosued #lizzoharassmentlawsuit #lizzohostileworkenvironment

The War for the Crown continues as our five Taldan nobles discuss the challenges facing their nation and prepare to meet with Princess Eutropia. Support us on Patreon to access our actual play of the Tyrant's Grasp Adventure Path and other content: https://www.patreon.com/FindthePath Cast Rick Sandidge is our Gamemaster Heather Allen plays Viscountess Gwenhwyfar Kastner [...] The post War for the Crown Episode 31: Claimants appeared first on Find the Path Ventures.

The War for the Crown continues as our five Taldan nobles discuss the challenges facing their nation and prepare to meet with Princess Eutropia. Support us on Patreon to access our actual play of the Tyrant's Grasp Adventure Path and other content: https://www.patreon.com/FindthePath Cast Rick Sandidge is our Gamemaster Heather Allen plays Viscountess Gwenhwyfar Kastner (LG female human Skald 4) Jessica Jenkins plays Baroness Verity Corcina (LN female human Samurai 4) Jordan Jenkins plays Baron Cornelius Merrosett (N male human Arcanist 4) Rachel Sandidge plays Countess Felyx Zespire (LG female human Cleric 4) Ross Scoggin plays Count Oliver Darahan (NG male human Magus 4) In game music provided by Syrinscape! Check them out at https://syrinscape.com/ War for the Crown theme provided by Ryan Mumford.

Welcome to another captivating episode of the Super Entrepreneurs Podcast! Today, we have an extraordinary guest with us, Galen Hare. He is the owner of Insurance Claim HQ and a property casualty attorney who has dedicated his career to helping families and businesses rebuild after disasters. With over 1200 successful cases under his belt, Galen is a true hero in the insurance claim realm.   In this enlightening conversation, Galen shares his passion for making a difference in people's lives. He delves into the challenges faced by individuals dealing with insurance claims, shedding light on the unfortunate reality of underpaid settlements. With his expert guidance, Galen educates listeners on how to navigate the complex world of insurance, ensuring they receive the compensation they deserve.   Prepare to be inspired as Galen recounts his journey, from volunteering in hurricane relief efforts to founding a nonprofit organization. His unwavering dedication and genuine care for his clients set him apart in the industry. Join us as we uncover invaluable tips, uncover the importance of comprehensive documentation, and learn how Galen's team goes above and beyond to provide support during the most challenging times. Get ready to gain insights and transform your understanding of insurance claims with Galen Hare on this episode of Super Entrepreneurs Podcast.   Chapter Stamps:   Introduction: Meet Galen Hare - 00:00:00 The Importance of Insurance Claims - 00:03:15 Challenges Faced by Claimants - 00:08:45 Navigating the Complexities of Insurance - 00:13:20 Galen's Journey and Volunteer Work - 00:18:10 Founding a Nonprofit Organization - 00:22:30 Tips for Maximizing Insurance Claims - 00:26:55 The Power of Comprehensive Documentation - 00:31:40 Going Above and Beyond for Clients - 00:36:15 Conclusion and Final Thoughts - 00:41:50   Pullout Quotes:   "Insurance claims aren't just paperwork; they can be life-changing opportunities for individuals to rebuild and recover." "Navigating the complexities of insurance can be overwhelming, but with the right guidance, claimants can level the playing field." "Volunteering has opened my eyes to the profound impact we can have when we stand up for those who need it most." "Founding a nonprofit organization has allowed me to extend my reach and provide support to a broader community." "Comprehensive documentation is the key to maximizing insurance claims. Don't underestimate its power." "Going above and beyond for clients is not just about meeting their expectations; it's about exceeding them and making a real difference in their lives."   Socials:   Website: https://insuranceclaimhq.com/ Instagram: https://www.instagram.com/insuranceclaimhq/ YouTube: https://www.youtube.com/channel/UCEoMjB6FI90W14VUriCFYYw/featured   ----more---- Attention Super Entrepreneurs!   Are you tired of constantly chasing strategies and feeling stuck in your business? I have something special just for you. Join me for an exclusive webinar where I'll reveal the secrets to scaling your business and improving your quality of life. Say goodbye to overwhelm and hello to unstoppable success. Reserve your spot now! Free Webinar ----more----   Disclaimer: Please be aware that the opinions and perspectives conveyed in this podcast are solely those of our guests and do not necessarily represent the views, ideologies, or principles of Super Entrepreneurs Podcast, its associated entities, or any organizations they represent or are affiliated with. We provide a platform for discussion and exploration, and the content of each episode is understood to be independent expressions from our guests, rather than a reflection of the beliefs held by the podcast or its hosts.

The lawyers for Jane Doe have accused the estate for Epstein of stonewalling their attempts to get crucial documentation and are attempting to force their hand.(commercial at 16:55)To contact me:Bobbycapucci@protonmail.comSource:https://abcnews.go.com/US/victims-attorney-accuses-epstein-estate-attempts-stonewall-lawsuit/story?id=71830202

Hoaxes have been a part of the flying saucer/UFO mystery from its very beginning. Shortly after Kenneth Arnold's sighting report on June 24, 1947, people started coming forward with physical disks they claimed to have found in their yards, in fields, or to have actually seen flying through the air in flames and then crash. Claimants ranged from school children to professional adults, and there is even a report from a Catholic priest that received a good deal of press. The priest's case, as well as others of this sort ended up in FBI files. The disks that were displayed were obviously home made, sometimes quite crudely, but there was the possibility that these could be responsible for valid sightings reports by people who were truly mystified. Read more →